I almost treat my gear in the same way.

Iems for detail/working at the office or commuting

Headphones when working at home and need to focus, also when I want a intimate listen and just want to focus in music

Speakers when want just to have that closest feeling of listening to music as in a live concert, soundstage is just unmatched by headphones. My only concern with speakers atm is that I just got a class D amp and an inadequate room (for now)

Edit: formating